{"id":2698,"date":"2025-05-15T14:36:02","date_gmt":"2025-05-15T06:36:02","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2698"},"modified":"2025-05-15T14:36:02","modified_gmt":"2025-05-15T06:36:02","slug":"%e5%8d%b0%e5%b0%bc%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%e5%85%ac%e5%8f%b8%e8%9e%8d%e8%b5%84%e4%b8%8e%e5%8f%91%e5%b1%95%e5%8a%a8%e6%80%81","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/zh\/2025\/05\/15\/%e5%8d%b0%e5%b0%bc%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%e5%85%ac%e5%8f%b8%e8%9e%8d%e8%b5%84%e4%b8%8e%e5%8f%91%e5%b1%95%e5%8a%a8%e6%80%81\/","title":{"rendered":"\u5370\u5c3c\u672c\u5730\u652f\u4ed8\u516c\u53f8\u878d\u8d44\u4e0e\u53d1\u5c55\u52a8\u6001"},"content":{"rendered":"<p>\u5370\u5c3c\u4f5c\u4e3a\u4e1c\u5357\u4e9a\u6700\u5927\u7684\u6570\u5b57\u7ecf\u6d4e\u4f53\u4e4b\u4e00\uff0c\u5176\u672c\u5730\u652f\u4ed8\u516c\u53f8\u5728\u8fc7\u53bb\u51e0\u5e74\u7ecf\u5386\u4e86\u5feb\u901f\u53d1\u5c55\u548c\u6fc0\u70c8\u7ade\u4e89\u3002\u4ee5\u4e0b\u662f\u5370\u5c3c\u672c\u571f\u652f\u4ed8\u516c\u53f8\u7684\u878d\u8d44\u4e0e\u53d1\u5c55\u52a8\u6001\u5206\u6790\uff1a<\/p>\n<hr>\n<h3><strong>\u4e00\u3001\u884c\u4e1a\u80cc\u666f<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>\u5e02\u573a\u6f5c\u529b<\/strong><\/p>\n<ul>\n<li>\u5370\u5c3c\u62e5\u67092.7\u4ebf\u4eba\u53e3\uff0c\u4e92\u8054\u7f51\u7528\u6237\u8d852\u4ebf\uff0c\u4f46\u94f6\u884c\u8d26\u6237\u6e17\u900f\u7387\u4ec5\u7ea649%\uff0c\u7535\u5b50\u94b1\u5305\u4f7f\u7528\u7387\u9010\u5e74\u6500\u5347\uff082023\u5e74\u7528\u6237\u8fbe1.6\u4ebf\uff09\u3002<\/li>\n<li>\u653f\u5e9c\u63a8\u52a8\u201c\u65e0\u73b0\u91d1\u793e\u4f1a\u201d\uff0c\u592e\u884c\uff08BI\uff09\u53d1\u653e\u591a\u5f20\u7535\u5b50\u8d27\u5e01\u724c\u7167\u3002<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u7ade\u4e89\u683c\u5c40<\/strong><\/p>\n<ul>\n<li>\u672c\u571f\u4f01\u4e1a\u9762\u4e34\u6765\u81eaGrabPay\u3001ShopeePay\u7b49\u533a\u57df\u5de8\u5934\u7684\u7ade\u4e89\uff0c\u4f46\u51ed\u501f\u672c\u5730\u5316\u573a\u666f\u548c\u5408\u89c4\u4f18\u52bf\u5360\u636e\u4e00\u5b9a\u5e02\u573a\u4efd\u989d\u3002<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>\u4e8c\u3001\u4e3b\u8981\u516c\u53f8\u878d\u8d44\u52a8\u6001<\/strong><\/h3>\n<h4><strong>1. OVO<\/strong><\/h4>\n<ul>\n<li><strong>\u80cc\u666f<\/strong>\uff1a\u96b6\u5c5e\u4e8e\u529b\u5b9d\u96c6\u56e2\uff08Lippo Group\uff09\uff0c\u4e0eGrab\u5206\u9053\u626c\u9573\u540e\u72ec\u7acb\u8fd0\u8425\u3002<\/li>\n<li><strong>\u878d\u8d44<\/strong>\uff1a2023\u5e74\u4f20\u95fb\u6b63\u8fdb\u884c5\u4ebf\u7f8e\u5143Pre-IPO\u8f6e\u878d\u8d44\uff0c\u4f30\u503c\u6216\u8fbe30\u4ebf\u7f8e\u5143\uff1b\u8682\u8681\u96c6\u56e2\u66fe\u53c2\u4e0e\u65e9\u671f\u6295\u8d44\u3002<\/li>\n<li><strong>\u53d1\u5c55<\/strong>\uff1a\u8986\u76d6\u96f6\u552e\u3001\u4ea4\u901a\uff08\u5982\u96c5\u52a0\u8fbeMRT\uff09\u3001\u516c\u7528\u4e8b\u4e1a\u7f34\u8d39\uff1b\u901a\u8fc7\u5e76\u8d2d\u6269\u5927\u751f\u6001\uff08\u5982\u6536\u8d2dTaralite\u6d89\u8db3P2P\u501f\u8d37\uff09\u3002<\/li>\n<\/ul>\n<h4><strong>2. DANA<\/strong><\/h4>\n<ul>\n<li><strong>\u80cc\u666f<\/strong>\uff1a\u7531\u8682\u8681\u96c6\u56e2\u4e0eEmtek\u5408\u8d44\u6210\u7acb\uff0c\u5bf9\u6807\u652f\u4ed8\u5b9d\u6a21\u5f0f\u3002<\/li>\n<li><strong>\u878d\u8d44<\/strong>\uff1a2021\u5e74\u83b7\u8682\u8681\u9886\u6295\u768412\u4ebf\u7f8e\u5143\u6ce8\u8d44\uff1b\u8fd1\u671f\u8ba1\u5212\u5f15\u5165\u4e2d\u4e1c\u8d44\u672c\u4ee5\u5e94\u5bf9\u76d1\u7ba1\u9650\u5236\u5916\u8d44\u7684\u653f\u7b56\u53d8\u5316\u3002<\/li>\n<li><strong>\u53d1\u5c55<\/strong>*: \u96c6\u6210\u4e8e\u793e\u4ea4\u5e73\u53f0UC Browser\u548cWeChat Mini Programs, \u91cd\u70b9\u62d3\u5c55\u4e8c\u4e09\u7ebf\u57ce\u5e02\u3002<\/li>\n<\/ul>\n<h4><em>3.LinkAja<\/em><\/h4>\n<p>&#8211;<strong>Background<\/strong>: State-backed (Telkomsel, Bank Mandiri\u7b49\u56fd\u4f01\u652f\u6301), focus on\u666e\u60e0\u91d1\u878d.<br \/>\n&#8211;<strong>Funding<\/strong>: Series B in late \u201922 raised $100M from MDI Ventures; targeting break-even by \u201924.<br \/>\n&#8211;<strong>Expansion<\/strong>: Government partnerships (e.g., fuel subsidies disbursement), rural agent networks (\u8d85\u8fc7500k agents).<\/p>\n<hr>\n<p>\u4e09.*<em>\u65b0\u5174\u73a9\u5bb6\u4e0e\u7ec6\u5206\u8d5b\u9053<\/em><br \/>\n1.<em>Flip<\/em> (\u8de8\u5883&amp;\u4f01\u4e1a\u652f\u4ed8):<br \/>\n\u2013 Raised <x-equation>120M Series C in \u201923 led by\u817e\u8baf,\u4f30\u503c<\/x-equation>10B+.<br \/>\n\u2013 Differentiator: Low-fee B2B transfers and integrations with accounting software.<\/p>\n<p>2.<em>Xendit<\/em>(\u6570\u5b57\u94f6\u884c\u57fa\u7840\u8bbe\u65bd):<br \/>\n\u2013 Unicorn status after \u201922 funding ($300M Sequoia\u9886\u6295).<br \/>\n\u2013 Serves SMEs with payment APIs, recently launched BNPL\u670d\u52a1.<\/p>\n<p>3.<em>Akulaku<\/em>(\u5148\u4e70\u540e\u4ed8BNPL):<br \/>\n\u2013\u83b7\u6cf0\u56fd\u66b9\u7f57\u5546\u4e1a\u94f6\u884c\u201923\u5e74\u6218\u7565\u6295\u8d44$200M;<br \/>\n\u2013\u901a\u8fc7\u865a\u62df\u4fe1\u7528\u5361\u5207\u5165\u7535\u5546\u5206\u671f.<\/p>\n<hr>\n<p>\u56db.*<em>\u6311\u6218\u4e0e\u8d8b\u52bf<\/em><br \/>\n1.<strong>Regulation<\/strong>: BI\u65b0\u89c4\u8981\u6c42\u7535\u5b50\u94b1\u5305\u5fc5\u987b\u63a5\u5165\u56fd\u5bb6\u6e05\u7b97\u7cfb\u7edf(BI-FAST),\u589e\u52a0\u5408\u89c4\u6210\u672c\u3002<\/p>\n<p>2.*<em>Profitability Pressure<\/em>:<br \/>\n\u2013\u591a\u6570\u516c\u53f8\u4ecd\u4e8f\u635f(\u5982OVO EBIDTA margin\u7ea615%),\u8f6c\u5411\u9ad8\u6bdb\u5229\u4e1a\u52a1(\u501f\u8d37\/\u4fdd\u9669\u5206\u9500)\u3002<\/p>\n<p>3.*<em>Consolidation<\/em>:<br \/>\n\u2013\u9884\u8ba1\u672a\u6765\u4e24\u5e74\u51fa\u73b0\u5e76\u8d2d\u6f6e(e.g., GoTo\u65d7\u4e0bGoPay\u53ef\u80fd\u4e0e\u7ade\u4e89\u5bf9\u624b\u5408\u5e76)\u3002<\/p>\n<p>4.*<em>Regional Expansion<\/em>:<br \/>\n\u2013\u5934\u90e8\u4f01\u4e1a\u63a2\u7d22\u51fa\u6d77(e.g., LinkAja\u8fdb\u5165\u9a6c\u6765\u897f\u4e9a\u534e\u4eba\u793e\u533a)\u3002<\/p>\n<hr>\n<p>\u4e94\uff0e\u6295\u8d44\u8005\u5173\u6ce8\u70b9<br \/>\n\u2013 <em>Unit Economics<\/em>: CAC\u662f\u5426\u56e0\u8fc7\u5ea6\u8865\u8d34\u5931\u63a7\uff1b<br \/>\n\u2013 <em>Policy Risk<\/em>:\u5916\u8d44\u6301\u80a1\u4e0a\u9650\u53ef\u80fd\u8fdb\u4e00\u6b65\u6536\u7d27\uff1b<br \/>\n\u2013 Synergy with ecosystem players (e.g., Tokopedia\u6574\u5408OVO\u7684\u8f6c\u5316\u7387\u63d0\u5347\u6548\u679c).<\/p>\n<p>\u5982\u9700\u7279\u5b9a\u516c\u53f8\u7684\u66f4\u8be6\u7ec6\u8d22\u52a1\u6570\u636e\u6216\u6700\u65b0\u4ea4\u6613\u4fe1\u606f\u53ef\u8fdb\u4e00\u6b65\u5b9a\u5411\u68c0\u7d22\u3002<\/p>\n<h3><strong>\u516d\u3001\u7ec6\u5206\u9886\u57df\u6df1\u5ea6\u5206\u6790\uff1a\u5370\u5c3c\u652f\u4ed8\u516c\u53f8\u7684\u5dee\u5f02\u5316\u7ade\u4e89\u7b56\u7565<\/strong><\/h3>\n<h4><strong>1. \u7535\u5b50\u94b1\u5305\uff08E-Wallet\uff09\u7684\u672c\u5730\u5316\u573a\u666f\u6df1\u8015<\/strong><\/h4>\n<p>\u5370\u5c3c\u672c\u571f\u652f\u4ed8\u516c\u53f8\u901a\u8fc7\u7ed1\u5b9a\u9ad8\u9891\u6d88\u8d39\u573a\u666f\u6765\u63d0\u5347\u7528\u6237\u7c98\u6027\uff0c\u4f8b\u5982\uff1a<\/p>\n<ul>\n<li><strong>OVO<\/strong>\uff1a\u4e0e\u529b\u5b9d\u96c6\u56e2\u65d7\u4e0b\u7684\u96f6\u552e\u54c1\u724c\uff08\u5982Matahari\u767e\u8d27\u3001Hypermart\u8d85\u5e02\uff09\u6df1\u5ea6\u5408\u4f5c\uff0c\u63d0\u4f9b\u72ec\u5bb6\u6298\u6263\u3002<\/li>\n<li><strong>DANA<\/strong>\uff1a\u4f9d\u6258Emtek\u7684\u5a92\u4f53\u751f\u6001\uff08\u5982\u89c6\u9891\u5e73\u53f0Vidio\uff09\uff0c\u63a8\u51fa\u201c\u89c2\u770b\u5e7f\u544a\u8d5a\u79ef\u5206\u5151\u6362\u73b0\u91d1\u201d\u6a21\u5f0f\u3002<\/li>\n<li><strong>LinkAja<\/strong>\uff1a\u653f\u5e9c\u5408\u4f5c\u9879\u76ee\uff08\u5982BPJS\u533b\u4fdd\u7f34\u8d39\u3001Pertamina\u52a0\u6cb9\u7ad9\u652f\u4ed8\uff09\u5f62\u6210\u5784\u65ad\u4f18\u52bf\u3002<\/li>\n<\/ul>\n<p><em>\u6311\u6218<\/em>\uff1aGrabPay\/ShopeePay\u901a\u8fc7\u7f51\u7ea6\u8f66\u548c\u7535\u5546\u7684\u9ad8\u9891\u4ea4\u6613\u6301\u7eed\u6324\u538b\u5e02\u573a\u3002<\/p>\n<hr>\n<h4><strong>2. B2B\u652f\u4ed8\u4e0e\u91d1\u878d\u57fa\u7840\u8bbe\u65bd\u7684\u5d1b\u8d77<\/strong><\/h4>\n<p>\u65b0\u5174\u73a9\u5bb6\u907f\u5f00C\u7aef\u7ea2\u6d77\uff0c\u8f6c\u5411\u4f01\u4e1a\u670d\u52a1\u8d5b\u9053\uff1a<\/p>\n<ul>\n<li><strong>Xendit<\/strong>\uff08\u4f30\u503c\u8d8510\u4ebf\u7f8e\u5143\uff09\uff1a\u4e3a\u4e2d\u5c0f\u4f01\u4e1a\u548c\u5f00\u53d1\u8005\u63d0\u4f9b\u4e00\u7ad9\u5f0fAPI\uff0c\u652f\u6301\u8de8\u5883\u6536\u6b3e\u3001\u5206\u8d26\u548c\u865a\u62df\u8d26\u6237\uff0c\u5ba2\u6237\u5305\u62ecTraveloka\u3001JD.id\u7b49\u30022023\u5e74\u65b0\u589eBNPL\u670d\u52a1\u540e\u8425\u6536\u589e\u957f300%\u3002<\/li>\n<li><strong>Flip Corporate<\/strong>\uff08\u817e\u8baf\u6295\u8d44\uff09\uff1a\u4e3b\u6253\u4f01\u4e1a\u5bf9\u516c\u8f6c\u8d26\u4f4e\u624b\u7eed\u8d39\uff08\u4f20\u7edf\u94f6\u884c\u8d39\u7387\u76841\/10\uff09\uff0c\u5e76\u96c6\u6210\u8d22\u52a1\u8f6f\u4ef6\u529f\u80fd\u5982\u81ea\u52a8\u5bf9\u8d26\u3002<\/li>\n<\/ul>\n<p><em>\u8d8b\u52bf<\/em>\uff1aBI\u8ba1\u5212\u57282024\u5e74\u63a8\u51fa\u5b9e\u65f6\u592e\u884c\u6570\u5b57\u8d27\u5e01(CBDC)\uff0c\u53ef\u80fd\u91cd\u5851B2B\u652f\u4ed8\u683c\u5c40\u3002<\/p>\n<hr>\n<h3><strong>\u4e03\u3001\u8d44\u672c\u52a8\u5411\u4e0e\u6218\u7565\u8c03\u6574<\/strong><\/h3>\n<h4><strong>(1) \u8fd1\u671f\u878d\u8d44\u4e8b\u4ef6\u8ffd\u8e2a<\/strong><\/h4>\n<table>\n<thead>\n<tr>\n<th>\u516c\u53f8<\/th>\n<th>\u65f6\u95f4<\/th>\n<th>\u91d1\u989d<\/th>\n<th>\u9886\u6295\u65b9<\/th>\n<th>\u7528\u9014<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Akulaku<\/td>\n<td>Q3\u201923<\/td>\n<td>$200M<\/td>\n<td>Siam Commercial Bank<\/td>\n<td>BNFL\u4e1a\u52a1\u5411\u6cf0\u56fd\/\u8d8a\u5357\u6269\u5f20<\/td>\n<\/tr>\n<tr>\n<td>Kredivo (\u6bcd\u516c\u53f8FinAccel)<\/td>\n<td>Q4\u201923<\/td>\n<td>$270M<\/td>\n<td>Mizuho Bank IPO\u524d\u8865\u5145\u8d44\u672c\u91d1<\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>Fazz (\u539fXfers) H1\u201924 $50M\u7cfb\u5217C AC Ventures \u62d3\u5c55\u722a\u54c7\u5c9b\u7ebf\u4e0b\u5546\u6237<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>(\u6ce8: Kredivo\u5df2\u901a\u8fc7SPAC\u5408\u5e76\u4e0a\u5e02\u4f46\u80a1\u4ef7\u4f4e\u8ff7,\u53cd\u6620\u6295\u8d44\u8005\u5bf9\u5370\u5c3c\u91d1\u878d\u79d1\u6280\u76c8\u5229\u6027\u7684\u62c5\u5fe7)<\/em><\/p>\n<h4><strong>(2)\u5916\u8d44\u64a4\u9000\u4e0e\u56fd\u8d44\u5165\u573a<\/strong><\/h4>\n<ul>\n<li><em>\u6848\u4f8b1<\/em>:\u8682\u8681\u96c6\u56e2\u51cf\u6301DANA\u80a1\u4efd\u81f315%\u4ee5\u4e0b\u4ee5\u7b26\u5408BI\u65b0\u89c4(\u5916\u8d44\u6301\u80a1\u4e0a\u965020%)\uff1b\u7a7a\u7f3a\u7531\u4e2d\u4e1c\u57fa\u91d1(\u4f20\u95fbADQ\u963f\u5e03\u624e\u6bd4)\u63a5\u76d8\u3002<\/li>\n<li><em>\u6848\u4f8b2<\/em>: Bukalapak\u65d7\u4e0bAllo Bank\u83b7\u5370\u5c3c\u793e\u4fdd\u673a\u6784(BPJS)\u6ce8\u8d44,\u8f6c\u578b\"\u666e\u60e0\u6570\u5b57\u94f6\u884c\"\u3002<\/li>\n<\/ul>\n<hr>\n<p>\u516b.*<em>\u76d1\u7ba1\u52a8\u6001\u7684\u5f71\u54cd<\/em><br \/>\n2024\u5e74\u5173\u952e\u653f\u7b56\u53d8\u5316:<\/p>\n<ol>\n<li>\n<p><em>QRIS\u7edf\u4e00\u6807\u51c6\u5f3a\u5236\u5b9e\u65bd<\/em>:\u6240\u6709\u79fb\u52a8\u652f\u4ed8\u5fc5\u987b\u63a5\u5165\u56fd\u5bb6\u4e8c\u7ef4\u7801\u7cfb\u7edf,\u5c0f\u73a9\u5bb6\u6280\u672f\u6539\u9020\u6210\u672c\u6fc0\u589e\u3002<\/p>\n<\/li>\n<li>\n<p><em>\u6570\u636e\u672c\u5730\u5316\u8981\u6c42\u5347\u7ea7<\/em>:\u7528\u6237\u6570\u636e\u9700\u5b58\u50a8\u5728\u5883\u5185\u6570\u636e\u4e2d\u5fc3,\u53ef\u80fd\u5f71\u54cd\u8de8\u56fd\u4f01\u4e1a\u7684\u8fd0\u8425\u6548\u7387\u3002<\/p>\n<\/li>\n<\/ol>\n<p>3.<em>\u6570\u5b57\u94f6\u884c\u724c\u7167\u6536\u7d27<\/em>*: BI\u6682\u505c\u65b0\u724c\u7167\u53d1\u653e(\u73b0\u67097\u5bb6),\u63a8\u52a8\u884c\u4e1a\u6574\u5408\u3002<\/p>\n<hr>\n<p>\u4e5d.*<em>\u672a\u676512\u4e2a\u6708\u7684\u5173\u952e\u770b\u70b9<\/em><br \/>\n1.<strong>IPO\u7a97\u53e3\u662f\u5426\u91cd\u542f<\/strong>: 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